Benefits Open Enrollment
2025 Benefits Information
Welcome to Open Enrollment! From October 1st to October 31st, 2024, our benefit plans allow for you to make changes to your existing elections. You can explore your options and visit the On-line Portal below to make election changes for the upcoming plan year. Any requested changes must be made by October 31, 2024. If you wish to keep your current benefit elections, no further action is needed unless you are waiving coverage (see the Health Coverage option below for information about opting out). Enrolling a spouse or registered domestic partner will necessitate the submission of a marriage certificate or official documentation alongside the completed enrollment form, while enrolling dependent children will require a birth certificate.
This year we are introducing a new benefit option in partnership with ÃÛÌÒÓ°ÏñState University Risk Management Authority (CSURMA) - Long-Term Care with Life Insurance. Click on the Long-Term Care option below to explore this one-time opportunity to sign up during open enrollment without having to answer any pre-existing health questions. All future enrollments (after 10-1-2024 - 10-31-2024) will require medical review.
Important notice to ÃÛÌÒÓ°Ïñ State employees: Please visit instead.
Please visit portal to make changes or enroll in medical, dental, vision and FSA coverages. Download the CSURMA 2025 Open Enrollment Login Instructions (PDF) for instructions on how-to navigate portal. You must login and establish a password. Once in the portal, it will walk you through enrolling and/or making changes to your medical, dental, vision and/or FSA coverage for you and your eligible dependents, as applicable. If you wish to leave your health coverage as is, you do not need to do anything in the portal. If you would like to enroll in the FSA, you will need to provide the required information.
No election form needed if not changing coverage.
Medical insurance carriers for employees.
- Anthem Blue Cross PPO 80 Benefit Summary 2025 (PDF)
- Anthem PPO 80 Express Scripts Prescription Coverage 2025 (PDF)
- Anthem Blue Cross Traditional HMO Benefit Summary 2025 (PDF)
- Kaiser Permanente HMO Benefit Summary 2025 (PDF)
Opting out of medical and/or dental coverage?
You are required to complete and sign a 2025 Waiver of Health Insurance Form (PDF) (required each year with copy of current insurance card) and provide proof of non-Research Foundation health plan coverage.
If waiving medical and/or dental coverage you are entitled to receive monthly Flex Cash, in the amount of $128.00 for medical and $12 for dental. Please review the Flex Cash Fact Sheet (PDF) and complete a Flex Cash Enrollment Form (PDF).
| BLUE CROSS HMO | Total Monthly Carrier Premium | Total Monthly Employer Contribution | Total Monthly Employee Out-of-Pocket Responsibility |
|---|---|---|---|
| Blue Cross HMO EE Only | $827.50 | $827.50 | $0.00 |
| Blue Cross HMO EE + 1 | $1,653.50 | $1,653.50 | $0.00 |
| Blue Cross HMO EE + 2 | $2,342.50 | $2,342.50 | $0.00 |
| KAISER HMO | Total Monthly Carrier Premium | Total Monthly Employer Contribution | Total Monthly Employee Out-of-Pocket Responsibility |
|---|---|---|---|
| Kaiser EE Only | $660.50 | $660.50 | $0.00 |
| Kaiser EE + 1 | $1,361.50 | $1,361.50 | $0.00 |
| Kaiser EE + 2 | $1,779.50 | $1,779.50 | $0.00 |
| BLUE CROSS PPO | Total Monthly Carrier Premium | Total Monthly Employer Contribution | Total Monthly Employee Out-of-Pocket Responsibility |
|---|---|---|---|
| Blue Cross PPO EE Only | $1,032.50 | $1,032.50 | $0.00 |
| Blue Cross PPO EE + 1 | $2,068.50 | $2,039.00 | $29.50 |
| Blue Cross PPO EE + 2 | $2,925.50 | $2,551.00 | $374.50 |
Delta Dental PPO Plan B Benefit Summary 2025 (PDF). No election form needed if not changing coverage.
| Delta | Total Monthly Carrier Premium | Total Monthly Employer Contribution | Total Monthly Employee Out-of-Pocket Responsibility |
|---|---|---|---|
| Delta EE Only | $43.10 | $43.10 | $0.00 |
| Delta EE + 1 | $86.10 | $64.60 | $21.50 |
| Delta EE + 2 | $133.30 | $88.20 | $45.10 |
Delta Dental Life Perks - A new program offered to all Delta Dental members that offers lifestyle savings with their partners for Lasik eye surgery and hearing aids (PDF).
VSP Vision Choice Plan C with Tints & CVC Benefit Summary 2025 (PDF). No election form needed if not changing coverage.
| VSP Vision Care | Total Monthly Carrier Premium | Total Monthly Employer Contribution | Total Monthly Employee Out-of-Pocket Responsibility |
|---|---|---|---|
| VSP EE Only | $11.20 | $11.20 | $0.00 |
| VSP EE + 1 | $14.80 | $13.00 | $1.80 |
| VSP EE + 2 | $24.10 | $17.66 | $6.44 |
The Research Foundation offers a Flexible Benefits Plan which is administered by Benefit Coordinators Corporation (BCC)/SmartCare to all FTR and PTR benefitted employees. In addition to pre-tax health care premium benefits, our Flexible Spending Accounts (FSAs) allow for pre-tax deductions up to $3,200 annually for health-related expenses and up to $5,000 annually for dependent care expenses. Benefitted FTR and PTR benefitted employees are eligible for participation in the FSA during Open Enrollment each year (January 1st). This benefit requires that participants enroll annually.
Please download the 2025 FSA Enrollment Form (PDF).
Please download the 2025 ÃÛÌÒÓ°Ïñ Research Foundation Annual Notice (PDF).
The notice covers:
- Medicare Part D Notice
- Women’s Health and Cancer Rights Act
- Newborns and Mothers’ Health Protection Act
- HIPAA Notice of Special Enrollment Rights
- Availability of Privacy Practices Notice
- Notice of Choice of Providers
- Premium Assistance under Medicaid and the Children’s Health Insurance Program (CHIP)
- Notice of Certain Deadline Extensions and Summary of Material Modifications
- ACA Disclaimer
- The ‘No Surprises’ Rules
Open enrollment questions, please to contact Laura Ficke at laura.ficke@csulb.edu or 562.985.1603.
